CIA

CITIZENS, INC.

NYSE· Life Insurance· Inc. CO· CIK 0000024090 Traditional Finance

$3.61 +0.06 (+1.69%)

Oct 27 4:00 PM ET · prev $3.55

Market cap

$182.3M

Micro cap

Consensus

Buy

80% Buy or better · 5 analysts

Median target

$5.25

+45% · range $5.00–5.50

Next earnings

Nov 4

in 8 days · EPS est. $0.03

1 year

−34.1%

from $5.48 · Oct 27

30 days

+0.0%

from $3.61

52-week range

$3.37–6.38

−43% from high · low Oct 14

Avg volume 20D

104.8K

shares / day

Short interest

🔒 Subscribers only

Insider net

+$350.2K

3 buyers · 0 sellers · since Mar 31

New fund stakes

Q2 2026 13F · 0 exits

Filing reports

analyzed by SecBot

SecBot read MIXED 1 report · 90 days

Balance 0 bearish · 0 bullish · 1 neutral oldest → newest, height = score

Avg score

·High conf. 1/1 ·Next Earnings date, Nov 4, 2026

Strongest NEUTRAL Citizens, Inc. entered into a SaaS agreement with Bestow Agency LLC to deploy a white-labeled digital…

All reports →

Price

Daily candles with volume. Pins mark insider trades, rating changes, 13F stakes, reports, catalysts and short-interest jumps.

B May 21 1 insider buy $48.2K at $4.82
B Aug 10 to Aug 11 2 days of insider buys: $264.0K by 2 insiders, avg $3.92
A Aug 24 Freedom Broker initiates
B Aug 31 1 insider buy $38.0K at $3.80

Signal stack

Where each data set points today.

InsidersBULLISH

3 insiders bought $350.2K at an average $4.01. No open-market sales. Price is 10% below their cost.
InstitutionsBULLISH

Q2 2026: 12 added (0 new), 4 trimmed or exited.
AnalystsBULLISH

4 of 5 rate it Buy or better. Every target is above the price.
EstimatesFALLING

Current-quarter EPS estimate $0.080 → $0.030 over 90 days. 0 up, 1 down in 30 days.
TrendDOWNTREND

1% below its 50-day average.

Who's buying

13F· Q2 2026

new positions

exits

Fund	Move	Shares	Value
UBS Group AG	ADD	1,188,654	$6.8M
PRICE T ROWE ASSOCIATES INC /MD/	ADD	90,568	$520.0K
GOLDMAN SACHS GROUP INC	TRIM	77,429	$444.4K
Squarepoint Ops LLC	ADD	66,456	$381.5K
BARCLAYS PLC	TRIM	45,841	$263.1K
WELLS FARGO & COMPANY/MN	DOUBLED	38,502	$221.0K
Russell Investments Group, Ltd.	DOUBLED	26,355	$151.3K
MetLife Investment Management, LLC	ADD	25,621	$147.1K

Quarterly 13F filings are due 45 days after each quarter ends.

The Street

5 analysts

Buy 80% rate it Buy or better

Strong Buy1Buy3Hold1Sell0Strong Sell0

12-month targets · 2 analysts

$3.61 $5.00 $5.25 $5.50

Price is below the lowest target. Median implies +45%.Targets as of Oct 27, 2026.

Recent actions

Date	Firm	Action	Rating
Aug 24, 2026	Freedom Broker INITIATE	INITIATE	Buy

Insider ledger

Form 4

$350.2K

bought · 3 insiders

sold · 0 insiders

−9.9%

vs their $4.01 cost

Date	Insider	Type	Value
Aug 31, 2026	HARWOOD MICHAEL PHILIP Director	BUY	$38.0K
Aug 28, 2026	HARWOOD MICHAEL PHILIP Director	SMALL ACQ.	$991.41
Aug 15, 2026	Guerrero Paula L Chief Information Officer	EXERCISE	2,709 sh
Aug 15, 2026	Guerrero Paula L Chief Information Officer	TAX W/H	$3.2K
Aug 15, 2026	Lewis Bryon Matthew Chief Operations Officer	EXERCISE	2,626 sh
Aug 15, 2026	Lewis Bryon Matthew Chief Operations Officer	TAX W/H	$2.5K
Aug 11, 2026	Stenberg Jon President & CEO	BUY	$43.8K
Aug 11, 2026	Hoxworth Seth Alan Chief Actuary	BUY	$20.6K

Earnings setup

Estimates

Nov 4

reports in 8 days

$0.03

EPS estimate, this quarter

−63%

estimate change, 90 days

0↑ 1↓

revisions, 30 days

Current-quarter EPS estimate

$0.080

90d

$0.080

60d

$0.080

30d

$0.080

$0.030

Now

Period	EPS est.	Range	30D rev.	Revenue
Current Q	$0.03	$0.03–$0.03	-62.5%	$64.7M
Next Q	$0.05	$0.05–$0.05	-54.5%	$71.3M
Current FY	🔒 Fresh data, subscribers only
Next FY	🔒 Fresh data, subscribers only